What is the FIRE number?

Your FIRE number = annual expenses divided by safe withdrawal rate. Using 4% rule: annual expenses x 25. Example: $60,000/year expenses requires $1,500,000 portfolio. The portfolio should sustain 30+ year retirements historically.

What is LeanFIRE vs FatFIRE?

LeanFIRE: retire on a minimal budget (under $40,000/year). Regular FIRE: standard living expenses. FatFIRE: retire with high spending (over $100,000/year), typically requiring a $2.5M+ portfolio. ChubbyFIRE is between regular and fat.

Coast FIRE: accumulate enough invested assets that, without any additional contributions, the portfolio will compound to your FIRE number by traditional retirement age. You still earn income to cover current expenses.

How does savings rate affect years to FIRE?

Savings rate dramatically affects FIRE timeline. 10% savings rate: ~43 years. 25% savings: ~32 years. 50% savings: ~17 years. 75% savings: ~7 years. Higher savings rates both accumulate wealth faster and demonstrate lower required income.

What is Barista FIRE?

Barista FIRE: retire from stressful career but work part-time (e.g., barista) to cover basic expenses, allowing the portfolio to continue growing without full withdrawal. Reduces required portfolio size and sequence of returns risk.

FIRE Number Calculator (Financial Independence Retire Early)

Calculate your FIRE number: annual expenses divided by safe withdrawal rate (typically 4%). LeanFIRE vs FatFIRE vs CoastFIRE variants. Years to FIRE based on savings rate. Barista FIRE and semi-retirement scenarios.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How It Works

Each component has a specific meaning:

Savings rate — The savings rate recorded for the scenario being assessed.

Note: Interpret the fire number calculator result against the thresholds and context described above.

How to Use

Enter the savings rate for the scenario you are assessing. Calculate your FIRE number: annual expenses divided by safe withdrawal rate (typically 4%). LeanFIRE vs FatFIRE vs CoastFIRE variants. Years to FIRE based on savings rate. Barista FIRE and semi-retirement scenarios. Use the fire number calculator result to inform your calculation.

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Frequently Asked Questions

What is the FIRE number?

What is LeanFIRE vs FatFIRE?

What is Coast FIRE?

How does savings rate affect years to FIRE?

What is Barista FIRE?